It is definitely difficult for college students to handle it because they have no ability to repay the loan. However, different banks have different regulations.

College students can also apply for credit cards. Usually, the credit cards applied for by college students are somewhat different from ordinary credit cards. The main difference is the credit card limit, which is introduced below.

Generally, the credit card limit that college students can apply for for the first time is around a few hundred yuan. Most banks have developed special credit cards for college students based on their special status. For example, Agricultural Bank of China U, ICBC Peony Card, China Merchants Bank YOUNG Card, CITIC College Student I Card, etc. are all credit cards specially designed for college students.

In terms of application method, the most common way for college students to apply for a credit card is to apply for a credit card directly through the clerk who comes to the bank to apply for a credit card. This method of applying for a card is more convenient, and there are often certain discounts for applying for a card, such as free points or small gifts.

It is recommended that you apply when there is an event, as this will make it easier to apply.

It’s not as troublesome as you think, but you will be stressed when handling it, that’s for sure.

Applying for a credit card in college is actually very simple. Go to a bank that issues credit cards to college students, submit the information, and you can usually apply. But the premise is that the bank issues a college student credit card. Of course, you can also apply for other card types, but this is a bit difficult.

At present, some domestic banks have launched credit cards for college students, such as the "Peony Student Card" of the Industrial and Commercial Bank of China, the "Dragon Card Student Card" of the China Construction Bank, and the "Youka" of the Agricultural Bank of China. The limit of this kind of credit card is generally not very high, but you can apply for an increase after using it for a long time. It is also very convenient to apply. You only need to be a formal student enrolled in school and be 18 years old.

After submitting the credit card application information, it is first submitted to the credit card center review department of the issuing bank. The bank review department will score the applicant based on the applicant's application materials. This process, under normal circumstances, takes two working days. If approved, the card-issuing bank will produce a card for the applicant within two working days, and then send the credit card by registered mail or express delivery.

So think carefully before applying, because it will really put financial pressure on you. Unless your family conditions are good, it is not recommended to apply.